| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 80 TAMPA, AL 33607 | HM INSURANCE GROUP | $94K | — | $94K | 12.50% |
| JOAN TAYLOR3 | 1841 NEEDMORE RD WHITESBURG, TN 37891 | AFLAC | $12K | $593 | $13K | 7.37% |
| DARREN E KING3 Filed as: DARREN KING | 9617 STONE CANYON LN KNOXVILLE, TN 37922 | AFLAC | $3K | $111 | $3K | 1.57% |
| CASEY A CURLEE3 Filed as: CASEY CURLEE | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1K | $40 | $1K | 0.76% |
| EMMETT HAWKINS3 | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $1K | — | $1K | 0.74% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $994 | — | $994 | 0.57% |
| GEORGE SEYMOUR3 | 819 BONNETHEAD LN SEYMOUR, TN 37865 | AFLAC | $959 | — | $959 | 0.55% |
| CINDY HANNA3 | 2413 MCCAMMON RD KNOXVILLE, TN 37920 | AFLAC | $820 | — | $820 | 0.47% |
| TAYLOR THIGPEN3 | 605 COMMODORE LN KNOXVILLE, TN 37934 | AFLAC | $644 | $71 | $715 | 0.41% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $707 | — | $707 | 0.40% |
| CAROL KINSLER3 | 2229 CHINQUAPUX GROVE RD BLUFF CITY, TN 37618 | AFLAC | $603 | — | $603 | 0.34% |
| JAMES E GOLDRICK3 Filed as: JAMES GOLDRICK | 24 MANORAGE RD MANORVILLE, NY 11949 | AFLAC | $584 | — | $584 | 0.33% |
| LYNN HODGE3 | 430 ALFAFA LN JONESBOROUGH, TN 37659 | AFLAC | $439 | — | $439 | 0.25% |
| STEPHANIE BECK3 | 1603 SAN MIGUEL DR SAINT CHARLES, MO 63303 | AFLAC | $373 | — | $373 | 0.21% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $233 | — | $233 | 0.13% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $222 | — | $222 | 0.13% |
| BETH MORROW3 | 727 JONES FRANKLIN RD MORRISTOWN, TN 37813 | AFLAC | $188 | — | $188 | 0.11% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $183 | — | $183 | 0.10% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $160 | — | $160 | 0.09% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $96 | — | $96 | 0.05% |
| JERRI A SURBER3 Filed as: JERRI SURBER | 813 WEDGEWOOD RD JOHNSON CITY, TN 37604 | AFLAC | $62 | — | $62 | 0.04% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $56 | — | $56 | 0.03% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $46 | — | $46 | 0.03% |
| DAVID WHITAKER3 | 1202 GREENLEE DR JONESBOROUGH, TN 37659 | AFLAC | $46 | — | $46 | 0.03% |
| VICKIE DENESE GRAVES3 Filed as: VICKIE GRAVES | 29214 JACOBS RIVER DR KATY, TX 77494 | AFLAC | $46 | — | $46 | 0.03% |
| RONALD RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $43 | — | $43 | 0.02% |
| SHARON DAVIS3 | 231 JOHN BOULDIN DR MARYVILLE, TN 37801 | AFLAC | $41 | — | $41 | 0.02% |
| SAMUEL ANDERSON3 | 191 CHEROKEE ST SURGOINSVILLE, TN 37873 | AFLAC | $37 | — | $37 | 0.02% |
| KENNETH R MEREDITH3 Filed as: KENNETH MEREDITH | 314 HICKORY VLY FLORENCE, AL 35630 | AFLAC | $35 | — | $35 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $32 | — | $32 | 0.02% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $30 | — | $30 | 0.02% |
| RUTH HOBBS FARMER3 Filed as: RUTH FARMER | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $29 | — | $29 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $27 | — | $27 | 0.02% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $26 | — | $26 | 0.01% |
| DAVID R CHARLES3 Filed as: DAVID CHARLES | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $25 | — | $25 | 0.01% |
| JAMES R HILL JR3 Filed as: JAMES HILL | 11350 GATES MILL DR KNOXVILLE, TN 37934 | AFLAC | $22 | — | $22 | 0.01% |
| FREDERICK HARRIS JR3 | 802 BUFFALO ST STE 14 JOHNSON CITY, TN 37604 | AFLAC | $21 | — | $21 | 0.01% |
| RYAN DREBING3 | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $16 | — | $16 | 0.01% |
| GEORGE H COCHRAN3 Filed as: GEORGE COCHRAN | 4555 WALDON POND LANE CORRYTON, TN 37721 | AFLAC | $15 | — | $15 | 0.01% |
| MATTHEW SMITH3 | 8804 SW 59TH TER OCALA, FL 34476 | AFLAC | $14 | — | $14 | 0.01% |
| GARY STORY3 | PO BOX 4328 JOHNSON CITY, TN 37602 | AFLAC | $13 | — | $13 | 0.01% |
| CHARLES HOUGH3 | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $13 | — | $13 | 0.01% |
| TERRI LAWSON DRAKE3 | 1009 PAINTER CREEK RD BRISTOL, TN 37620 | AFLAC | $11 | — | $11 | 0.01% |
| SANDRA FIELDS3 | 1805 KING COLLEGE RD APT B4 BRISTOL, TN 37620 | AFLAC | $9 | — | $9 | 0.01% |
| LINDA WESTER3 | 335 RUBLE AVE NEWPORT, TN 37821 | AFLAC | $9 | — | $9 | 0.01% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $9 | — | $9 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $8 | — | $8 | 0.00% |
| CARLA WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $3 | — | $3 | 0.00% |
| AUTUMN BETHEA3 | 1124 GOLF VIEW WAY SPRING HILL, TN 37174 | AFLAC | $3 | — | $3 | 0.00% |
| PAUL DANIEL CHRISTIAN3 Filed as: PAUL CHRISTIAN | 13904 CORTES DE PALLAS DR LITTLE ELM, TX 75068 | AFLAC | $2 | — | $2 | 0.00% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $0 | — | $0 | 0.00% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 717 BOSLEY FATE, TX 75087 | AFLAC | $0 | — | $0 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $10K | $34K | 21.04% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 21.15% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 24.19% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PK STE 300 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $4K | — | $4K | 10.00% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMIN | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $182K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $12K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 556 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 424 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $104K |
| Short-term disability | AFLAC | 186 | $175K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $160K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 234 | $753K |
| Other(2 contracts, 2 carriers) | AFLAC | 270 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.